We have written before about Chase’s refer-a-friend program which we use to earn extra points when a close friend or family member applies for a new Chase credit card. The list of cards that offer a Chase refer-a-friend bonus keeps changing so we thought it was time for an updated post.

There are several Chase credit cards currently offering a referral bonus for referring those credit cards to family or friends if they apply and are approved using your referral link.

How Chase Refer a Friend Works

For anyone not familiar, Chase offers the opportunity to earn points for referring its credit cards through Chase refer-a-friend at chasereferafriend.com. The way Chase refer-a-friend works is that will you receive bonus points (usually 10,000 or 20,000 points depending on the card) for each person who applies and is approved for a credit card using your referral link. You can invite as many people as you want but there is a maximum cap of how many bonus points per calendar year that you can earn total for each card.

How To Generate and Share Your Chase Referral Link

There are a few ways to get your Chase referral link which you can then share with friends or family including: 1) visit chasereferafriend.com, 2) through the Chase mobile app, and 3) click on banners when on chase.com.

To create your Chase referral link visit chasereferafriend.com and enter your last name, zip code and last 4 digits of your card to see if your card is eligible for a referral bonus at that time. If your Chase card is eligible you will see a list of options for sharing your referral link (Email, facebook and/or Twitter).

Email is the slowest option – it will take up to 7 days for them to receive the email. If you choose email you must provide your friend’s first name and email address and they be sent an email from the person referring them & Chase. The email will also mention the amount of the sign up bonus and an application deadline.

Most cards will now generate a referral link which you can copy and text to your friends or post on social media (this is new). There are also options to post a general invitation link on facebook and Twitter and generate the link instantly. Even if you do not have a Twitter account (or you just don’t want to post your link) you can choose that option to generate your referral link instantly and email it to your friends on your own.

(Warning: If your friends apply for a lot of credit cards they might not be approved. Most Chase cards are subject to the Chase 5/24 rule for credit card approvals meaning applicants will not be easily approved (if at all) if they have applied for more than 5 cards from any bank in the last 24 months. See this postfor more information about the 5/24 rule.)

List of Chase Credit Cards Currently Offering Refer-a-Friend Bonus

The referral bonus is not offered for every Chase credit card. Chase does not provide a list of cards that are currently offering referrals so if you want to make a referral you would have to enter your information on chasereferafriend.comfor all your Chase cards to see if you are eligible to earn a referral bonus.

Here is a list of all he Chase credit cards that are currently offering a refer a friend bonus:

Chase Ink Business Preferred Referral

You will earn 20,000 points per Chase Ink Business Preferred up to a maximum of 100,000 points per calendar year. Here is our referral link.

This is a great time to apply for the Chase Business Preferred as it has a sign up bonus of 80,000 Ultimate Rewards points after spending $5,000 after first 3 months..

Chase Ink Plus Referral

You can no longer generate a referral link for the Chase Ink Plus card as it is no longer open to new applicants. However, if you have a Chase Ink Plus you can generate a referral for the Chase Ink Business Preferred card above.

You will earn 20,000 points per Chase Ink Business Preferred up to a maximum of 100,000 points per calendar year. Here is our referral link.

Chase Freedom Referral

You will earn 10,000 points (or $100 cash back) per referral up to a maximum of 50,000 points (or $500 cash) per calendar year. Here is our referral link for anyone that would like to use it.

The Chase Freedom is offering a higher than usual sign up bonus of $150 (or 15,000 points) AND $25 (or 2,500 points) bonus when you add your first authorized user and make your first purchase within 3-months. The normal sign up bonus for the Freedom is $100 (or 10,000 points) but it has been as high as $200 (or 20,000 points) a few times in the past. Now is a good time to apply (since the bonus is $150 rather than the usual $100). It is possible that the bonus might be increased to $200 again but it might not.

Chase Freedom Unlimited Referral

You will earn 10,000 points (or $100 cash back) per referral up to a maximum of 50,000 points (or $500 cash back) per calendar year. Here is our referral link for anyone that would like to use it.

The Chase Freedom Unlimited is offering a sign up bonus of $150 (or 15,000 points) after spending $500 within 3 months AND $25 (or 2,500 points) bonus after adding first authorized user.

Chase Sapphire Preferred Referral

You will earn 10,000 points per referral up to a maximum of 50,000 points per calendar year. Here is our referral link for anyone that would like to use it.

The Chase Sapphire Preferred is offering 50,000 bonus points after spending $4,000 on purchases and 5,000 bonus points after adding the first authorized user and making first purchase in the first 3 months from account opening.

Chase Sapphire Reserve Referral

Chase recently started offering a referral bonus for the new Chase Sapphire Reserve card. You will earn 10,000 points per referral up to a maximum of 50,000 points per calendar year. Please note that if Chase’s usual refer-a-friend page does not work you need to visit https://www.chase.com/referafriend/chasesapphirereserve to refer the Chase Sapphire Reserve card.

Southwest Rapid Rewards Premier and Plus cards Referrals

Chase is offering a referral bonus on both the Premier and Plus cards. You will earn 10,000 points per referral up to a maximum of 50,000 points per calendar year.

The referral links for the Premier and Plus cards both offer a 50,000 sign up bonus. We do not have any referral links but you are welcome to use one of the reader links in this post. The sign up bonus from the Southwest cards count towards the 110,000 miles needed for a Southwest companion pass which if you earn now would be valid for all of 2018 and 2019.

Disney Rewards Visa Card Referral

You will receive $100 Disney Reward Dollars per referral up to a maximum of $500 Disney reward dollars per calendar year.

The referral links offer a sign up bonus of a $200 statement credit after spending $500 in the first 3 months from account opening which is higher than the official sign up bonus offered on chase.com.

This card is not subject to the Chase 5/24 rule.

Marriott Rewards Premier Credit Card Referral

You will earn 20,000 points per referral up to a maximum of 100,000 points per calendar year. The Marriott Rewards Premier Credit Card is offering a sign up bonus of 75,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening.

United MileagePlus Explorer Referral

The United MileagePlus Explorer is offering 40,000 bonus miles after spending $2,000 on purchases in the first 3 months from account opening. However, this is not the best sign up bonus – the sign up bonus on chase.com is 50,000 bonus miles.

Chase Ink Cash Referral

Chase usually offers a referral bonus for the Chase Ink Cash but it does not seem to be available right now.

171 Comments

The email can take about a week to arrive but maybe it got lost in your junk mail? To get the link right away I would ask your friends to proceed as if they are sharing on twitter and facebook (they don’t need to have an account or be signed in) and then copy the link generated.

Can anyone please answer this refer-a-friend question? Is the link that is given to a prospective applicant for a specific Chase card, or for any Chase card? In other words, if I want to apply for a Chase Southwest card, must the person providing the referral have entered the last 4 digits of a Chase Southwest card for the link referral request, or can they input a different Chase card, for instance a Sapphire card? Thank you for your assistance.

Hi JP,
Referrals are for specific cards and the link will direct you to an application page for that card. In order to generate a referral for the Southwest card, one needs to have the Southwest card and enter the last 4 digits of that card.

I have current referrals for the Disney Chase Visa credit card if anyone is interested. I will receive $50 in Disney Dollars which I can use toward my upcoming Disney trip. YAY! And YOU will receive $200 Disney Gift Card (which doesn’t expire) after you spend $500 in the first three months. There is NO annual fee and you get lots of perks with the credit card like discounts on select dining, merchandise, and you also get special meet and greets at Disney! You also receive Disney Dollars when you use your credit card. Refer to the link below and have a magical day!

Hey! Just wanted to piggy back and say this is an awesome program! I’ve already earned 300 this way, if anyone wants to, here is my link. It is helping pay for our meals on our anniversary trip next month 🙂https://www.referyourchasecard.com/200/SRNR2K1BLZ

You will receive an offer for 50,000 bonus miles after they spend $3,000 on purchases in the first 3 months from account opening. You can also receive 5,000 bonus miles after you add a authorized user in the first 3 months from account opening!

Sometime in late April, SW had get rid of all the SW referral links that offer 50,000 bonus points. I have the referral link below that offer 40k points, which is the same as offer as from the SW public website. I would be greatly appreciated if you would it. Thanks!

– (50,000 points) after $4000 spent on purchases in the first 3 months
– Addtional (5k points) after first purchase from authorized user in the first 3 months
– No foreign transaction fees
– No annual fee the first year then $95/year

I have just started looking into credit card rewards programs and this site has been a great resource. I am trying to accumulate enough points to take my wife on a great trip for our anniversary. It is very much appreciated if you use my referral links :

Awesome article. Chase is a great company. I recently tried applying to the Sapphire Reserve and was denied because of the 5/24 rule, but if you want to apply to the freedom and not pay a hefty $300 yearly fee please use my link!

My wife has a Chase Freedom under her parents name and a Chase Sapphire under her name.

Will this scenario work:
-Cancel her Chase Freedom card and have her use my refer-a-friend for her to apply again so I would get the 10,000 points and her to get the $150 bonus as well as the referral bonus
-Cancel her Sapphire and use my referral to have her join my account to earn the 5,000 bonus points after adding the first authorized user. This way we don’t have to pay 2 annual fees.

Am I understanding this correctly or is there a better way to do this?

Regarding the Chase Freedom it sounds like she is an authorized user under her parents card. She does not have to cancel her authorized user Chase Freedom card before she can apply for her own Chase Freedom using your referral link.

If she cancels her Sapphire she can apply for a new Sapphire card and get another sign up bonus again using your referral if it has been over 24 months since she earned a sign up bonus for her current Sapphire. You can’t use the referral link to be added to someone else’s account. Also keep in mind that she won’t be approved for either card if she is over Chase 5/24.

Has it been less than 3 months since you opened your Chase Sapphire card? You have to add someone as authorized user by then to get the 5,000 bonus points. Adding your wife as an authorized user does not prevent her from getting a sign up bonus for her own card.

Hey guys. I have a fresh referral link for the Chase Disney Visa card which offers $200 Disney gift card when you spend $500 in the first 3 months and there is NO annual fee. There are so many other perks that make your Disney vacations even more memorable and lots of discounts. My wife and I are planning a Disney vacation and would really appreciate if you use our referral link because we will get $50 Disney dollars to use toward the vacation. It would really help us out. Thanks everyone.

I have a few referrals left for the Southwest PLUS and Premier credit card. Spend $1,000 within the first 3 months to get 40,000 points (approximately $650 worth of travel). Apply for both the PLUS and PREMIER TO get $1,300 worth of travel by spending only $2,000)

Please use my referral link below to get the no annual fee Disney Credit Card by Chase. We our planning a Disney World vacation later this year to celebrate my 100 lb weight loss and every referral we get helps us to pay for our vacation. This card offers so many money saving opportunities and also private cardmember only meet and greets!!

I have a few referrals left for the Chase Sapphire Preferred credit card! Spend $4,000 within the first three months to get $625 worth of travel! This can be used for airfare and hotels!
Earn 50,000 bonus points with Chase Sapphire Preferred. I can be rewarded too if you apply here and are approved for the card. Learn more.https://www.referyourchasecard.com/6/RWZIX6N1K7

Chase Southwest only requires $1000 of total purchases in 3 months to earn 40,000 points. This can be a great way to get a few free roundtrips when flying to Disney, Orlando! I am also trying to earn my companion pass so I am begging, please, please use my link. I am almost there, just need two more referrals to complete. If interested, email me at mariceldelmoral@hotmail.com and I will send you my referral. Thank you!

Chase Freedom Application link. you will earn $150 if you spend $500, plus earn up to $500 cash back per year if you invite friends and earn $100 cash back for each friend who gets Chase Freedom®
It’s easy to invite your friends and get rewarded for those who get your favorite card! https://www.referyourchasecard.com/2/A08ZG9K6FA

Once you use my link and get approved you will be able to do the same,

If anyone is planning a trip to Disney in the future… We were able to save a bunch on our tickets by signing up for the Disney Rewards Visa Card. When you sign up, they’ll send you a $200 Disney gift card after spending $500 (in 3 months). You can also refer your spouse after you get your card, and that’s another $200, plus a $50 bonus for the referral.

So, that’s a pretty easy $450 toward Disney tickets! We’re also adding up with the points. No annual fee with this deal. You have to have a referral or special offer. If you use our referral, we get a bonus too!

Here’s the link for the Disney Rewards Visa Card. When you sign up, they’ll send you a $200 Disney gift card after spending $500 (in 3 months). You can also refer your spouse after you get your card, and that’s another $200, plus a $50 bonus for the referral.

So, that’s a pretty easy $450 toward Disney tickets! No annual fee with this deal. You have to have a referral or special offer. If you use our referral, we get a bonus too!

For those of you that want to get a Companion Pass, use my below referral link to get your bonus points! Spend only $1000 within the first 3 months and your bonus points will be applied to your account. If you spend 1k within that same month, your points will appear in your next statement and you can start using your points towards flights. On top of that, the Premier credit card will give you a yearly 6,000 anniversary points.

Easiest free money out there! No annual fee, after you spend $500, Chase will send you a $200 Disney giftcard!! I’m taking our 18 month old to Disney for the first time in December, any help would be appreciated!

I’m not posting the links here because I don’t think there’s a way to remove them if I hit the max referral limit. When you email me, I’ll let you know if I’ve reached the max and then you can ask someone else instead to avoid “wasting” the referral.

I’m accumulating points for a Scuba trip to Indonesia for me and my wife 🙂

Earn a $200 Disney Gift Card after you spend $500 on purchases in the first 3 months of opening your account. This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.
Explore a galaxy of rewards and year-round perks.

Earn 1% in reward dollars on all card purchases with no limit on the amount you can earn.

Enjoy Disney and Star Wars™ Character Experiences at private Cardmember locations at Walt Disney World® Resort and the Disneyland® Resort.

Save on select merchandise purchases, dining most days and select guided tours at the Walt Disney World® Resort and the Disneyland® Resort. Plus, Cardmembers save 10% on select merchandise purchases of $50 or more at Disney Store and DisneyStore.com.

NO ANNUAL FEE

Here is your link. This link can be used more than once so feel free to give it to anyone you know who may have interest in this offer.

When you sign up for the Disney Rewards Visa, they’ll send you a $200 Disney gift card after spending $500 (in 3 months). You can also refer your spouse after you get your card, and that’s another $200, plus a $50 bonus for the referral.

So, that’s a pretty easy $450 toward Disney tickets! You can also add up with the points. No annual fee with this deal. You have to have a referral or special offer. If you use our referral, we get a bonus too to help our family go to Disney in January 🙂

Earn a $150 bonus with Chase Freedom ($25 bonus with every authorized user as well). I can be rewarded too if you apply here and are approved for the card. Learn more.https://www.referyourchasecard.com/2/26AVFNRWKX
Love the Chase Freedom Card! I have got 20 bucks already in cash back just by using it like I normally would at the appropriate category (restaurants and movie theaters). I applied with a credit score of 680 and got accepted with a credit limit of 500. This is fine, as I am a 19 year old college student. Totally recommend this card!!

You have to have that specific credit card. The only exception is that you can refer people to the Ink Business Preferred if you have an Ink Plus (but the Ink Plus is no longer available for new cardholders).

It is not always available for everyone that has the card so you probably are not doing anything wrong. Just to double check are you using https://www.chase.com/referafriend/chasesapphirereserve instead of the general refer a friend site? If yes, your card is probably not eligible but I would recommend checking every few weeks to see if it will work.

Hey there, Disney Chase Visa Referral! Free $200 gift card for a no annual free card. Free Disney money! We’re taking out 18 month old for the first time in December, your help would be greatly appreciated! Thanks so much!

Earn a $150 bonus with Chase Freedom Unlimited. I can be rewarded toohttps://www.referyourchasecard.com/m/18/6L5/FNRP/1545775991
I just applied for this card a couple days ago and got a credit limit of $2500 with a credit score of 690! I’m a college student, so trying to establish credit will be a breeze with this. Love chase credit cards and definitely are worth it!!

Please help my sister and I go on a Disney trip! I would greatly appreciate it! You can get a $200 Disney gift card after spending $500 within the first three months and I can get a $50 gift card. This card is awesome and has no annual fee. This would be a huge help for us to go towards food and our hotel!

Please help me take my two girls and I on a Disney trip! I would greatly appreciate it! You can get a $200 Disney gift card after spending $500 within the first three months and I can get a $50 gift card. This card is awesome and has no annual fee. This would be a huge help for us to go towards food and our hotel!
My referral link:
Earn a $200 Disney Gift Card with the Disney® Visa® Card. No annual fee. I can be rewarded, learn more.

I recently got this card in October and already enjoy it. I got the card with a 680 and got approved for a credit balance of $2500. I put my rent on it, and pay it off immediately and get 1.5% back on that and anything else. Great card!
Earn a $150 bonus with Chase Freedom Unlimited. I can be rewarded too if you apply here and are approved for the card. Learn more.https://www.referyourchasecard.com/18/GGDDADX9CJ

What date is used to calculate the max-referral-bonuses-per-year limitation? Day the person you referred applied? Day they were approved? Day the points showed as pending in your UR account? Or the day the points actually posted in your account (next statement date after the points appeared)?

What about referring friends to open Chase Bank accounts – I thought this used to be an option also? I tried putting in the last 4 digits of my debit card though and it said that referrals were not an option? Anyone know how how I can get a coupon link or code to refer a friend for opening up a checking/savings account? Thanks much!

Hi all! I have an active referral link for 50K Rapid Rewards points for the Chase Southwest Premier Card: https://www.referyourchasecard.com/224/E702FCNIZ9. We love flying Southwest with our kids because of the free bags. Hope this helps someone looking for referral links and thanks in advance!

Happy New Year! I have current referrals for the Chase Disney Visa credit card if anyone is interested. I will receive $50 in Disney Dollars which I can use toward my upcoming Disney trip. YAY! And YOU will receive $200 Disney Gift Card (which doesn’t expire) after you spend $500 in the first three months. The faster you spend the $500, the faster you’ll get the gift card so if you have an upcoming trip then definitely go that route. There is NO annual fee and you get lots of perks with the credit card like discounts on select dining, merchandise, and you also get special meet and greets at Disney! You also receive Disney Dollars when you use your credit card. It’s a win-win. Refer to the link below and happy Disney-ing!

I applied with a credit score of 680 and got accepted with a credit limit of $2500. As a college student, this comes in handy a lot and the limit is perfect for someone in my shoes. Totally recommend this card!!
Earn a $150 bonus with Chase Freedom unlimited ($25 bonus with every authorized user as well). I can be rewarded too if you apply here and are approved for the card. Learn more.https://www.referyourchasecard.com/18/GGDDADX9CJ

Hello! Please use my link if you’re interested in signing up for the Disney Rewards VISA Credit Card. There is no annual fee! You get 1% Disney dollars for every dollar you spend and you get a $200 Disney Gift Card that can be used toward anything Disney! There’s lots of other fun perks too! My hubby and I aren’t able to have kids so we try to get referrals so we can afford to go to Disney World and become kids for a while!! Please use my link below. <3

The companion pass was the best thing I ever had. Here are referral links for both the Plus and Premier card. After $2000 of spending in the first 3 month on each card, you’ll earn 50,000 points. That’s 100,000 point putting you well in reach of the companion pass! Plus it will be good the rest of this year and all of 2019. SO WORTH IT!

Earn $200 Disney gift card with the Chase Disney Credit Card. Remember that when you apply for the card through a referral not only do you receive a $200 gift card but there is no annual fee on the credit card.

My wife has 2 open 5/24 slots which just opened this month. Is it true that if she applies for and gets Chase Marriott Business and Chase Ink Business Preferred Chase would still view her as having 2 open 5/24 slots. I am reading that Chase does not count their own business cards and only considers what shows on the credit report. It seem like you might slide by the automated approval. But, I can’t believe 2 new Chase Business cards wouldn’t be counted by a live rep on a reconsideration call. Any data points? We are hoping to save 2 slots to renew companion pass at end of 2018.

Taking my 5 year old to Magic kingdom for the first time for her birthday in April, please help me make her dreams come true.
Earn a $200 Disney Gift Card with the Disney® Visa® Card. No annual fee. I can be rewarded, learn more.